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Monzo: Flex Credit Card reviews

Name: Flex Credit Card
Rating: 4.96 (1804 reviews)

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4.95

Based on 1,803 reviews, last reviewed 7th Feb 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

My Monzo Experience I hold debit and credit acounts with Monzo; the experience compared to a traditional bank is night and day with a focus on real time transactions, ana... Read more Reviewed on: 7th February 2025

Latest lowest rating:

1

They keep raising interest rates. They keep raising interest rates. Reviewed on: 17th April 2024

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About this product

Monzo Flex is a credit card that is integrated into the Monzo banking app. It allows users to spread the cost of purchases over time, offering a flexible way to pay. When you make a purchase, you can choose to pay it off in installments over a period, such as 3, 6, or 12 months, offering an interest-free period for shorter terms or a competitive interest rate for longer terms.

Are you looking for a flexible credit card? Our Monzo Flex credit card reviews can help you decide if they're the right option for you.

If you’re considering applying for a Monzo Flex credit card, check out our reviews first. Discover which features customers are using and how satisfied they've been so far. Learn more about the benefits of being an Monzo Flex customer. All of this and more can be found in our Monzo Flex credit card reviews.

Smart Money People is the place for Monzo Flex credit card reviews. Read and write reviews and help us to increase trust and transparency in Financial Services.

Monzo Flex Credit Card reviews (1804)

Review of the Monzo, Flex Credit Card:

Monzo Flex etra liney holidays

Monzo Flex helped me in the worst situations during the holidays, saved my life so many times, I just love it and recommended to all my friends Reviewed on: 1st June 2024

Easy and straightforward application process.

Easy and straightforward application process. They also send useful updates and the app is easy to navigate Reviewed on: 3rd April 2024

Flex is so easy!

Flex is so easy! I have total visibility of my spending and my future repayments, with the extra flexibility of "flexing" payments up to 15 days after the purchase was made - because sometimes life surprises you, and what you thought you could afford you no longer can because of that annoying car/house/insurance bill you hadn't accounted for. Reviewed on: 3rd April 2024

Best credit card ever as it gives me flexibility opt...

Best credit card ever as it gives me flexibility options re my spending Reviewed on: 3rd April 2024

It's literally the best thing ever

It's so easy to both use the card physically, and use it online. It's also really easy to pick payments you've made already and move them to flex. the option to pay early with no additional fees is amazing - and it's so clear what you're paying and when you pay it by. You get flexibility over the length of the plan which makes it even better. Reviewed on: 3rd April 2024

Faultless

I've never had any issues with monzo whatsoever, when i lost my card i was able to immediately freeze it and when getting money out abroad they are invaluable Reviewed on: 3rd April 2024

Flex it!

At first I didn't really understand what Flex was and I work in fintech! My mates tried to explain it to me, but what confused me was it sounded like a credit card, but also like some sort of mini loan warehouse line at the same time. If you want to use it as a credit card then that's cool, it's always interest free as long as you pay it off quickly. So no more opening a new credit card each time your deal runs out. But what I find really cool is you can essential move a past debit purchase onto your credit card too (aka; flex it!). I've never seen anyone other app with this feature before. How many times do you pay with the wrong card because you're in a rush and you can feel eyeballs on you from the 17 people in the queue behind you? No more ah ffs I was I put that on my credit card, because I've got some bill coming out in a few days and I've got to move money around, then remember to clean it all up later. Just flex it! Reviewed on: 3rd April 2024

Takes the fear out of using credit

Monzo Flex allows me to pick and choose how much I pay back, when, and with what level of interest. It makes using credit a controllable and non-scary process. Reviewed on: 3rd April 2024

For me, Flex replaced Klarna for purchasing big gift...

For me, Flex replaced Klarna for purchasing big gifts and credit cards for trips. It's so easy and convenient, and I feel much more in control of it having access direct from the bank app, then using a third party app or card. Reviewed on: 3rd April 2024

Amazing people and amazing service.

Amazing people and amazing service. Flex interest free is amazing and would recommend to anyone who doesn't want to involve themselves with interest. Reviewed on: 3rd April 2024

Categorisation Guru

My alarm goes off, and I check my phone. I open the Monzo app to see my account balance. Last night I went out with friends, so I quickly scan my transactions to make sure everything looks good. Monzo categorized everything clearly, separating food and drinks from the cab fare home. Feeling relieved, I head out the door knowing exactly how much I spent. Reviewed on: 3rd April 2024

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